Account Terms and Conditions

*APR = Annual Percentage Rate. Rates are determined by individual credit worthiness. Rates and terms subject to change without notice. Other terms and conditions may apply. The APR listed is the lowest available rate for the term. Rates, terms, and conditions are subject to change and vary based on creditworthiness, income, and other qualifications. Rates range from 6.99% to 17.75% based on the term and credit score. Subject to credit approval.

1Index as published in The Wall Street Journal. Rates may adjust quarterly, on the first business day of January, April, July and October. The index as of 10 days preceding the beginning of the quarter will be used. The rate of APR will never be less than 7.00% or greater than the maximum rate allowed by law.

2This rate includes a 0.40% discount if the member has a checking account with InFirst Federal Credit Union with direct deposit and the loan is set up for automatic payments. This rate also includes a 0.25% discount for using our car buying service and a .25% discount for 80% or less of maximum LTV – MSRP for new autos and NADA Retail Adjusted Clean for used vehicles. At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate.

3Balance transfers must be completed within the first 90 days of card issue. This offer may not be used to pay or make balance transfers from any existing InFirst FCU accounts, loans or credit cards. Foreign transaction fees may apply. This promotional rate only applies to new VISA Rewards credit cards. Any existing VISA Rewards Credit Card that is closed and then re-opened will not receive the 1.99% APR introductory offer. After the 6 month promotional period, the rate will adjust to the purchase rate, currently 10.90% APR to 17.90% APR and subject to change. For the Young Adult VISA, the rate will adjust to the purchase rate, currently 9.90% APR for young members opening a checking account with an InFirst Line of Credit. If no checking account or InFirst Line of Credit is established, the standard rate is 11.90% APR and subject to change. Rates based on credit worthiness. A fee of 3.00% or $5.00, whichever is higher, will apply to any cash advance. Not all applicants will qualify for the lowest rate.

Links Disclosure

×

You are about to leave InFirst Federal Credit Union's website. InFirst FCU does not provide and is not responsible for the product, service, overall web content, security, or privacy policies on any external third-party websites.

Return To Site

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Other terms and conditions may apply. Contact us for further information.
**APY = Annual Percentage Yield.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government,
National Credit Union Administration, a U. S. Government Agency. InFirst FCU is an equal opportunity housing lender.

We may provide links to third party partners, independent from InFirst FCU. These links are provided only as a convenience. We do not manage the content of those sites. The privacy and security policies of external websites will differ from those of InFirst FCU.